That’s because their job isn’t to insure things. Their job is to make money. That’s all for-profit corporations are ever in business to do. They will absolutely bend over backwards to avoid having to pay it out, even if that’s their sole purpose for existence.
Add to the fact that they will fight tooth and nail to not pay out
Meh. Depends on the insurance. A teenager rear ended me and I was paid handsomely very quickly for my damages.
That’s because their job isn’t to insure things. Their job is to make money. That’s all for-profit corporations are ever in business to do. They will absolutely bend over backwards to avoid having to pay it out, even if that’s their sole purpose for existence.